OR · NCCI

Workers comp rates and rules in Oregon

Oregon has 584 workers comp class codes with filed rates, a maximum weekly benefit of $1,400 (66.67% of average weekly wage), and a statute of limitations of 1 year. Verified 2026-05-08.

Cheapest code $0.020 Real Estate Clerical
Median rate $0.180 across 50 top codes
Priciest code $0.380 Explosives Manufacturing

Class code rate comparison

The top 50 workers comp class codes filed in Oregon, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.

State Occupation Code Rate per $100 vs peers Source
Oregon Real Estate Clerical 8803 $0.020 32% view
Oregon Furniture Salespersons 8723 $0.040 22% view
Oregon Clerical office 8810 $0.040 14% view
Oregon College Other Employees 8820 $0.040 18% view
Oregon Medical Office Clerical 8805 $0.050 29% view
Oregon Medical Office Clerical 8805 M $0.050 13% view
Oregon Telemarketing Clerical 8814 $0.050 36% view
Oregon Telemarketing Clerical 8814 M $0.050 13% view
Oregon Ambulance Service 7402 $0.060 41% view
Oregon Hospice Care 8855 $0.060 44% view
Oregon Telephone/Telegraph Companies 8901 $0.070 30% view
Oregon Clerical Telecommuter Employees 8815 $0.080 21% view
Oregon Property Management NOC 8737 $0.090 36% view
Oregon Clerical Telecommuter Employees 8815 M $0.090 19% view
Oregon Insurance Adjusters 8734 $0.100 29% view
Oregon Salesperson, outside 8742 $0.100 18% view
Oregon Consulting Engineers 8601 $0.120 27% view
Oregon Property Management NOC 8737 M $0.120 13% view
Oregon Insurance Adjusters 8734 M $0.140 13% view
Oregon Jewelry Stores 8013 $0.150 32% view
Oregon Residential Property Management 8738 $0.150 36% view
Oregon Advertising Sales 8755 $0.170 38% view
Oregon Physician, non-surgical 8832 $0.170 48% view
Oregon Professional & Inside Sales 8853 $0.170 - view
Oregon College, non-faculty 8868 $0.170 27% view
Oregon Landscape Gardening 0771 N $0.180 25% view
Oregon Sound Recording 4360 $0.200 60% view
Oregon Boat Livery 7453 N $0.200 33% view
Oregon Nursing Home - Professional 8877 $0.200 - view
Oregon Glassware Manufacturing 4109 $0.210 33% view
Oregon Interior Trim Installation 5951 $0.210 29% view
Oregon RV Salespersons 8748 $0.210 23% view
Oregon Adult Day Care 8856 $0.210 24% view
Oregon Residential Property Management 8738 M $0.220 25% view
Oregon Stevedoring Operations 7431 $0.250 41% view
Oregon Barber, beauty parlor, hair stylist 9586 $0.250 50% view
Oregon Electrical Wiring Devices Manufacturing 3681 $0.260 18% view
Oregon Telecom Line Construction 7610 $0.280 45% view
Oregon Storage Battery Manufacturing 4692 $0.290 36% view
Oregon Construction Supervisor 5606 $0.290 14% view
Oregon Building Operation - Theaters 9012 $0.290 22% view
Oregon Asbestos Goods Manufacturing 4149 $0.300 29% view
Oregon Vessel Operations NOC 7445 N $0.330 63% view
Oregon Electrical Instrument Manufacturing 3685 $0.350 19% view
Oregon Drug Manufacturing 4511 $0.350 76% view
Oregon Office Machinery Manufacturing 3826 $0.360 35% view
Oregon Glass Merchants 4110 $0.360 29% view
Oregon Fruit & Vegetable Stores 8015 $0.360 30% view
Oregon YMCA, YWCA, gym 9063 $0.370 33% view
Oregon Explosives Manufacturing 4611 $0.380 9% view

Bottom quartile (cheap) Mid Top quartile (expensive) This state

Oregon coverage rules & benefits

Coverage threshold

All employers with one or more employees are required to carry workers' compensation insurance.

Max weekly benefit

$1,400 (66.67% of average weekly wage), effective 2024.

Statute of limitations

1 year from injury date to file the claim.

1099 contractor treatment

Individuals classified as independent contractors are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria.

Owner exclusion

Allowed. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.

State fund

SAIF Corporation is the state-administered carrier.

Estimate your premium in Oregon

Pre-filled to Oregon. Pick your industry and payroll to see a real premium range from filed rates.

Estimate your workers comp premium

Pick your industry, state, and annual payroll. Range comes from real rate filings.

Estimated annual premium for Manufacturing in Oregon

$1,050to$45,950

Median: $5,850 · Rate range $0.210 to $9.19 per $100 payroll

Industry median across all states

$7,300

Cheapest states for Manufacturing

  • Utah $0.490
  • Kentucky $0.940
  • Virginia $0.950

Most expensive

  • California $4.74
  • New Jersey $3.56
  • Hawaii $2.94

Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.

Filing & compliance in Oregon

  1. Step 1, Confirm coverage threshold

    All employers with one or more employees are required to carry workers' compensation insurance.

  2. Step 2, Determine class code

    Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.

  3. Step 3, Get a quote (or use the state fund)

    SAIF Corporation is one option; private carriers like Travelers, Hartford, and Liberty Mutual also write coverage in Oregon. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Track payroll & subcontractors

    General contractors can be held liable for the workers' compensation coverage of uninsured subcontractors and their employees. Keep certificates of insurance for every sub.

  5. Step 5, Annual audit

    Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll.

Penalty for non-coverage: Employers failing to carry required coverage face significant fines, stop-work orders, and potential civil and criminal charges, along with personal liability for injured workers' benefits.

Oregon workers comp FAQs

Who has to carry workers compensation insurance in Oregon?

All employers with one or more employees are required to carry workers' compensation insurance.

What is the maximum weekly workers comp benefit in Oregon?

The current maximum weekly benefit in Oregon is $1,400 (effective 2024). Benefits are typically 66.67% of the average weekly wage, capped at the state maximum.

How long do I have to file a workers comp claim in Oregon?

The statute of limitations for filing a workers compensation claim in Oregon is 1 year from the date of injury. Notice to the employer is typically required within 30 days.

Are 1099 contractors covered by workers comp in Oregon?

Individuals classified as independent contractors are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria.

Can business owners exclude themselves from workers comp coverage in Oregon?

Yes, Oregon allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.

What is the penalty for not carrying workers comp in Oregon?

Employers failing to carry required coverage face significant fines, stop-work orders, and potential civil and criminal charges, along with personal liability for injured workers' benefits.

When does my workers comp carrier audit my payroll in Oregon?

Oregon typically requires a payroll audit within 90-120 days of policy expiration. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.

Am I liable for subcontractors' workers comp in Oregon?

General contractors can be held liable for the workers' compensation coverage of uninsured subcontractors and their employees.

Related in Oregon